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I am not in receipt of the testimony of a competent witness with first hand knowledge, nor am I in
receipt of any contract with my bonafied, original ink-signature, which prove such a contract was
I am not in receipt of the testimony of a competent witness with first hand knowledge, nor am I in
receipt of any contract with my bonafied, original ink-signature, which prove such a contract was
ever formed. I AM in receipt of evidence that no contract was ever formed. I am not in receipt of any
evidence which proves that XYZ BANK (SB), N.A. ever provided any consideration or put at risk its
4.
Monthly statements were mailed to you at .123 Shadylane Drive, Shadyville, California
99999 indicating monthly debits, credit and payments made on the account.
I am not in receipt of the testimony of a competent witness with first hand knowledge, nor am I in
receipt of any contract with my bonafied, original ink-signature, which prove such a contract was
ever formed. JOHN H. DOE IS in receipt of evidence that no contract was ever formed. Moreover,
JOHN H. DOE offered to fully restore to XYZ BANK (SB), N.A. all funds actually put at risk by XYZ
BANK (SB), N.A., upon the condition that, inter alia, XYZ BANK (SB), N.A. do a full accounting
showing what assets had been put at risk by XYZ BANK (SB), N.A. . XYZ BANK (SB), N.A. declined
said offer of full restitution and declined to do the full accounting requested by JOHN H. DOE.
Therefore, any purported statements mailed to JOHN H. DOE indicating monthly debits, credit and
payments made on the account are moot, or else, after the tacit admission of fraud by XYZ BANK
(SB), N.A., said statements could be construed as evidence that XYZ BANK (SB), N.A. was
engaged in criminal conversion, seeing as how it never gave JOHN H. DOE any consideration, nor
I am not in receipt of the testimony of a competent witness with first hand knowledge, nor am I in
receipt of any contract with my bonafied, original ink-signature, which prove such a contract was
ever formed. XYZ BANK (SB), N.A. did not offer full disclosure in its standard application; did not
offer consideration to JOHN H. DOE.; did not provide JOHN H. DOE with an opportunity to cancel on
a seperate sheet as required by the Truth in Lending Act, which states that failure to provide said
opportuinty to cancel on a seperate sheet of paper renders purported contract a nullity ab initio.
Therefore no “meeting of the minds” ever took place and no contract was ever formed. JOHN H.
If you cannot answer (i.e. don't know how to answer) an interrogatory, you can use the
following:
I conditionaly accept your offer to have me answer this question upon proof of claim that you have
complied with all requirements of the fair debt collection practices Act 15 USC SECT 1692 et. seq, to
wit; that you have produced the contract with my ink signature upon it which is the basis of your
claim, and, the sworn testamony of a competent witness with first hand knowledge who can testify
as to where the funds for the purported loan originated; that the plaintiff put at risk